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  • Documents Required To Buy A New Car In India

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    After a lot of research and deliberation, you finally decide on the car you want to buy. Once you seal the agreement with the car dealership, the next step would be the registration and insurance procedures. The paperwork involved in the process of registering the car can be intimidating. We have listed the processes and documents here for your reference and ease of understanding.

    Booking The Car:

    When you book the vehicle, it is important to ensure that the person taking the loan gets the car registered in his/her name. If you do not adhere to this, you may face trouble at the time of registration. The documents required for booking the car are as follows:

    1. Proof of nationality - Voter ID, school certificates, or passport
    2. ID proof - Driving license, PAN Card, Passport, or Aadhaar
    3. Address proof - Electricity bill of the customer, house purchase agreement, ration card, or rent agreement (if applicable)

    You should remember to get all details in writing, including the delivery date of the vehicle, price, add-ons, accessories, and discounts availed. The down-payment made and the on-road price of the car should also be recorded in writing. Ensure that you are aware of the processes involved in situations like delay in car delivery or cancellation of booking. Also, make sure that you have all the relevant receipts, temporary Registration Certificate, PUC Certificate, owner’s manual, warranty cards, and roadside assistance number.

    Car Insurance Formalities:

    Before we get to the documentation required for registering the vehicle, let us take a look at the process for narrowing down on a suitable insurance policy for your car. You should ideally compare car insurance between providers before you actually buy the car. Buying insurance from the dealership is not always the best solution as far as cost-effectiveness of the policy is concerned.

    You should be aware of the fact that it takes only a few minutes to buy insurance online. Online policies are also cheaper and easy to maintain, and these offer greater security to the buyer. Additionally, it is possible to refer to these policies whenever required - all you need is an internet connection. The chances of misplacing the documents are minimised considerably as well.

    The car insurance policy documentation is required for the registration of the vehicle. So, keep this ready in order to ensure a smooth registration process.

    Documents Required For Vehicle Registration:

    After the purchase of a new vehicle, the owner must get the car registered within 7 days from the delivery date. This is mandated by Section 39 of the Motor Vehicle Act, 1988. The documents required to apply for the registration of the car are:

    1. Updated Form 20 - This is the application for the registration of a motor vehicle. A duplicate of this form with the Registering Authority’s endorsement should be returned to the financing bank at the same time
    2. Form 21 - This is the sale certificate that will be issued by the dealer or car manufacturer
    3. Form 22 - This is also referred to as the road-worthiness certificate and is provided by the vehicle manufacturer. The dealer will hand it over to the car owner when the vehicle is delivered
    4. Attested copy of the valid insurance policy
    5. Identity proof of the car owner
    6. The owner’s proof of residence
    7. PAN Card, Form 60, or Form 61, whichever is applicable
    8. In case the vehicle was imported, the customs clearance certificate will have to be enclosed along with the application
    9. Challan receipt
    10. Affidavit on a non-judicial stamp paper worth Rs.3
    11. Chassis pencil print

    In case the vehicle is under a loan, Form 34 should be signed by the financing bank and the car owner and submitted. The applicant should also pay the applicable road tax and prescribed fee. In certain cases, the fitness certificate of the vehicle will have to be submitted.

    Documents Required For Vehicle Re-Registration When Transferred Between States:

    The documents needed to re-register a vehicle when it is brought from one state to another are as follows:

    1. The original state registration certificate
    2. Duplicate copy of Form 28 (NOC)
    3. Form 27 - This is related to tax
    4. Form 20
    5. An attested copy of the car owner’s address proof
    6. An attested copy of the car’s valid insurance
    7. An attested copy of the Pollution Under Control certificate
    8. For commercial vehicles the fitness certificate is needed
    9. PAN Card, Form 60, or Form 61, as applicable

    The road tax and the registration fee should be paid by the applicant. In some states, it is necessary to get clearance from the National Crime Record Bureau for re-registration of the car. The Transport Department will arrange for the Clearance Certificate.

    If the vehicle is bought through a loan, it can be endorsed in the RC. The documents for the same are as follows:

    1. Original registration certificate
    2. Two copies of Form 34 filled in
    3. An attested copy of the valid insurance policy
    4. The address proof of the owner of the vehicle, attested
    5. The PUC certificate, attested
    6. Attested PAN Card copy, Form 60, or Form 61

    The prescribed fee for the process should also be paid by the applicant.

    In case the vehicle is bought through a loan that is later repaid, this can be endorsed in the RC by submitting the documents mentioned below:

    1. Original registration certificate
    2. Two updated copies of Form 35
    3. A certificate from the financing bank stating that all dues have been paid
    4. Valid insurance copy, attested
    5. Address proof of the registered owner of the vehicle, attested
    6. PUC certificate, attested
    7. Attested copy of the owner’s PAN Card, Form 60, Form 61, as applicable
    8. NOC from the financing bank

    The prescribed fee also needs to be paid.

    Process For Obtaining Noc When The Car Is Transferred To Another State:

    If the owner of the vehicle takes it to another state, the vehicle will have to be re-registered there. The NOC can be applied for through the completion of the following formalities:

    1. Application to be submitted on Form 28 - 4 copies
    2. Copy of the RC, attested
    3. Road tax payment evidence
    4. Certificate from the tax collection authority indicating that there are no tax dues
    5. Valid insurance and PUC certificate

    Car Insurance Reviews

  • Page 1 of 50 1 2 3 4 5
    • HDFC Ergo Car Insurance
      "Good insurance policy"
      0.5 4.0/5 "Great!"
      I had a claim experience once. It was amazing experience. I was just submitted the cocuments in the dealer and they have taken care of all the things. They have given the 100% coverage value. I have started using this HDFC ergo car insurance for past 1 year. I have paid a premium amount as Rs. 40000. I never interacted with the customer care services.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 16, 2018
    • Tata AIG Car Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      My car is insured with TATA AIG general insurance,i got insurance through my agency, and i am not aware about premium amount it on yearly, It is a easy process, I have no claim experience so far with this insurance policy.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 16, 2018
    • HDFC Ergo Car Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I hold a car insurance policy with HDFC ERGO from long time, i got this insurance through showroom as agent himself gave this insurance, I am not aware of the premium amount for this insurance policy. I have no claim experience so far with this insurance policy.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 16, 2018
    • Reliance General Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a car insurance with Reliance general insurance from last 1 year, a premium of Rs 24795 has to be paid for this insurance policy. I have no claim experience so far with this insurance policy and this policy has full coverage with 0% depreciation.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 16, 2018
    • ICICI Lombard Car Insurance
      "Good"
      0.5 4.0/5 "Great!"
      My car insurance was offered by the Tata Showroom when I purchased a car. I have paid 24,000 rupees to purchase the policy for 2 years. They are giving bumper to bumper offer for one year and IDV for 2 years. I am happy with the service and policy. I have received the insurance papers on time.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 15, 2018
    • review Car Insurance
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have a car insurance with Kotak Mahindra . The services are good. Its a one year policy. It was included on the loan so don't know the premium. I don't have any claim experience. It was taken in May 2013 and it was renewed with the third party. The policy coverage is very good. There is no bumper to bumper offer.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 15, 2018
    • HDFC Ergo Car Insurance
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I hold a car insurance with HDFC ERGO from last 1 year, a premium of Rs 12200 has to be paid for this insurance policy. This policy has full coverage with 0% depreciation. My claim experience was not good, the bill amount was for Rs 40000 but they covered only Rs 26000. There was no cashless garage facility provided.
      Was this review helpful? 1
      , new delhi
      Reviewed on Nov 15, 2018
    • National Insurance Car Insurance
      "Good insurance for car"
      0.5 5.0/5 "Blown Away!"
      When i purchase my car, they have provided the car insurance policy with National and they have charged me a premium amount of Rs. 14000. I have taken a one time claim. The claim experience was very good. They have given me a claim amount of Rs. 11000. The claim was fully cashless covered. I pay for the consumable items
      Was this review helpful? 0
      , dehradun
      Reviewed on Nov 13, 2018
    • New India Car Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      My Maruthi Swift car got the insured declared value of Rs. 5 lakhs with New India company. I have comprehensive plan with bumper to bumper it covers loss, damage, accidental cover with life cover for the driver for maximum of one lakh. If we pay Rs.50 rupees extra with the premium.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 12, 2018
    • National Insurance Car Insurance
      "Good Policy for four wheeler"
      0.5 5.0/5 "Blown Away!"
      National insurance is good, I have been holding the car policy with them around one year. My car showroom person have suggested this policy, I got better insured declared vehicle. Its new car brand swift dezire with bumper to bumper protection.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 09, 2018
    • Iffco Tokio Car Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      The dealer have suggested the IFFCO TOKIYO car policy, I got the better IDV value for bumper to bumper zero depreciation plan. I got the policy documents on time, I had a claim once, I directly approached the dealer they taken money from the cover. But I have paid 20 to 30% of amount according to the parts which was not covered.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 05, 2018
    • United India Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have taken the card insurance where i have a good experience with this policy. I have experienced with the claim which is reimbursement and i got no complete claim. The policy coverage is for basic but the premium and the IDV value is good with this policy.
      Was this review helpful? 0
      , kota
      Reviewed on Nov 04, 2018
    • United India Car Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      I have purchased the two wheeler policy with the UNITED INDIA INSURANCE and i am using it from past three years where i am facing with no issues with this policy. I have no claim experience added on that the premium and also the IDV value is good with this policy.
      Was this review helpful? 0
      , kota
      Reviewed on Nov 04, 2018
    • Reliance General Car Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      When I purchased a car, the showroom has offered me a car insurance with Reliance. I have paid 12,000 rupees for this policy. The customer support is excellent. The claim experience is excellent and have applied for accidental claim, It was approved within few more days, zero depreciation was provided, All items been replaced of the car.The policy coverage is good, bumper to bumper offer is available. Every year am renewing my insurance only with RELIANCE.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 03, 2018
    • HDFC Ergo Car Insurance
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have compared in online for car insurance and gone for HDFC Ergo. The top one is Reliance and HDFC, though reliance is providing more benefits since I know HDFC is very well so opted for HDFC Ergo. It is a easy process. No claim gone till now. I have paid 12K to purchase and bumper to bumper offer is available.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 02, 2018
    • Liberty Car Insurance
      "Hopeless company"
      0.5 1.0/5 "Really Bad"
      They have literally detrayed me when i apply for a claim. There are some issue with the policy documents itself. When I met with an accident they said they will process the claim. After 3 days they said there is an issue with the policy. I called the customer care service but no one was picked up the call. After 4 days, they have issued the new policy and i got the car after 7 working days only from the garages.
      Was this review helpful? 1
      , bangalore
      Reviewed on Nov 01, 2018
    • Bajaj Allianz Car Insurance
      "Superb Policy"
      0.5 5.0/5 "Blown Away!"
      I selected Bajaj Allianz for my car. I chosen the company because of the lower premium rates. They have sent all my documents to my residential address. They do have regular follow up with the customer regarding the car insurance. I never had any issues with this policy. I pay the premium amount of Rs. 6300 and i have not availed the bumper to bumper facility. They have provided me the no claim bonus upto 50%.
      Was this review helpful? 2
      , bangalore
      Reviewed on Nov 01, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I hold a car insurance policy with HDFC ERGO from last 1 year, I am not aware of the premium amount for this insurance policy. I have no claim experience so far with this insurance policy. I am happy with the coverage value of this insurance policy.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 01, 2018
    • Bajaj Allianz Car Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I am having a car insurance policy with Bajaj Allianz and i have taken this policy for 2 years. A premium of Rs 17000 has to be paid for this insurance policy. I have no claim experience so far with this insurance policy and this policy has full coverage with 0% depreciation.
      Was this review helpful? 1
      , nellore
      Reviewed on Oct 31, 2018
    • HDFC Ergo Car Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      My car is insured with HDFC ERGO from last 1 year and it is a good insurance policy. I pay a premium of Rs 5000 for this car insurance policy. I have no claim experience so far with this car insurance policy. This policy covers only bumper to bumper damage.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 31, 2018
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